How to deal with idiot roommate (Air Conditioning issues) - retarded

[disappoint]

I never understood swamp coolers, do they even work? Part of what makes heat so uncomfortable is the humidity, don't swamp coolers increase it?

They work for dry, hot climates. Not so useful for humid environments. They cool the air while increasing the humidity slightly.

 

[alkemyst]

lol
You borrow MONEY for a house. The house is collateral for the MONEY you borrowed. Regardless of what happens to the house (loss of value, gets trashed, burns down, floods), you still owe the MONEY you borrowed.

"Now" the lenders want all their money back?
When in history has a lender not wanted all their money back?

Foreclosure normally supercedes that, the laws have all been screwed with much like bankruptcy.

Unless you have business debt it's very hard to file Chapter 7 today.

It's under control though bro. Don't worry yourself.

 

[RPD]

Maybe if you had more money and less bro's you could make your house payment.

 

[alkemyst]

Maybe if you had more money and less bro's you could make your house payment.

I was making them...they weren't being applied. Pay attention bro.

 

[RPD]

I was making them...they weren't being applied. Pay attention bro.

Sure you were brah.

Don't be jelly at the bank because you can't pay them.

 

[momeNt]

Funny enough, I actually entered this thread expecting it to be about alkemyst, and sure enough I was right.

 

[alkemyst]

Sure you were brah.

Don't be jelly at the bank because you can't pay them.

Dude, you need to get over me it's obvious how riled up I have made you.

 

[RPD]

I'm riled up because YOUR house is being foreclosed on?

Thanks for the laugh. You truely are delusional.

Please show your fail logic on this one. I want another laugh.

 

[alkemyst]

I'm riled up because YOUR house is being foreclosed on?

Thanks for the laugh. You truely are delusional.

Please show your fail logic on this one. I want another laugh.

You are the one that seems to be tracking it. I don't really bother to remember any of your postings. Same way you keep intentionally refering to my auto loan on the M3 as a lease.

There is no other way to explain it, you are either mad, jelly or both.

I win again.

 

[AstroManLuca]

Read the first page of this thread, was amused, jumped to the last page, saw it had turned into an Alky thread.

*sigh*

 

[PimpJuice]

There is no other way to explain it, you are either mad, jelly or both.

I win again.

That leased M3 doesn't look so good when you're living in it, hahaha!

 

[Krazy4Real]

Here comes Alky to screw up another thread.

 

[RPD]

You are the one that seems to be tracking it. I don't really bother to remember any of your postings. Same way you keep intentionally refering to my auto loan on the M3 as a lease.

There is no other way to explain it, you are either mad, jelly or both.

I win again.

Lets recap.

Alky makes post in P&N about his home being foreclosed on.
Alky then thinks others are somehow jealous that his leased M3 is going to soon be his place of residence.
Do they deliver mail to cars?

Keep on brah'in on brah!

 

[alkemyst]

Here comes Alky to screw up another thread.

RPD will ensure that. Please pay attention to who is instigating the derailment.

 

[alkemyst]

Lets recap.

Alky makes post in P&N about his home being foreclosed on.
Alky then thinks others are somehow jealous that his leased M3 is going to soon be his place of residence.
Do they deliver mail to cars?

Keep on brah'in on brah!

they'd deliver mail to my car if I wanted them too. Just like Chuck Norris can.

 

[Red Squirrel]

I was making them...they weren't being applied. Pay attention bro.

How can a payment "not be applied"? You owe me 50 bucks, you give me 20 bucks, you now owe me 30 bucks. Unless somehow the interest went up so high that your payment only covered the interest, but that has nothing to do with the value.


To get back on topic... yeah roommates suck. Even if it's a nice person, it's just annoying having someone else living with you. I forcibly had to do it for a few months, was a pain in the ass, especially when he decided to cook salmon on a very hot day, INDOORS! WTF, that's what the BBQ is for, especially if it's something that will leave a smell on all surfaces for the next 6 months. Cook that shit outside dude.

 

[waggy]

How can a payment "not be applied"? You owe me 50 bucks, you give me 20 bucks, you now owe me 30 bucks. Unless somehow the interest went up so high that your payment only covered the interest, but that has nothing to do with the value.


To get back on topic... yeah roommates suck. Even if it's a nice person, it's just annoying having someone else living with you. I forcibly had to do it for a few months, was a pain in the ass, especially when he decided to cook salmon on a very hot day, INDOORS! WTF, that's what the BBQ is for, especially if it's something that will leave a smell on all surfaces for the next 6 months. Cook that shit outside dude.

if i remember right he claims he was making payments but the bank mis paid them because the loan has been sold so many times. So his lawyer told him to stop making ANY payments and it is now in forclosor since they need to go to court and they can win.

witch to me does not make a lick of sense. but hell i know NOTHING about forcloser proceedings so i have no clue.

 

[ultimatebob]

Lets recap.

Alky makes post in P&N about his home being foreclosed on.
Alky then thinks others are somehow jealous that his leased M3 is going to soon be his place of residence.
Do they deliver mail to cars?

Keep on brah'in on brah!

I miss theflyingpig. He was a much better class of troll.

 

[alkemyst]

if i remember right he claims he was making payments but the bank mis paid them because the loan has been sold so many times. So his lawyer told him to stop making ANY payments and it is now in forclosor since they need to go to court and they can win.

witch to me does not make a lick of sense. but hell i know NOTHING about forcloser proceedings so i have no clue.

I am not sure what mindset you were in when you posted the above...but to explain it.

It had nothing to do with my loan being sold. My loan was sold after this started and that has really complicated it. My original mortgage company was recieving my payments each month yet none of those payments were getting applied to my mortgage and as a result they kept reporting me late.

They told me it would be fixed 'soon'...this went on for a year until one day I recieved a call from the person working on it telling me my loan was sold 'but the new company is aware and will fix everything'.

Fast forward several years with this all still happening. This past year I stopped paying and they finally started doing research into it. As of January this year, I was told my payments were 'found' and they'd have to figure out how to get them applied, but there was nothing they could do about the late fees and my credit hit I took.

To repair the situation they offered a balloon mortgage that would lower my payment from $2300 to around $800 over a 40 year term. The balloon payment was about $200,000...hardly a deal at all except for them.

The next offer came in the form of a deed in lieu saying they can't really fix anything, but would guarantee me a 12 month lease of the property at the cost of my taxes/insurance. They withhold any deficiency judgement and let me basically walk away. I was on-board with this more or less whether I took the lease or not. Before I even got the paperwork I was served the foreclosure papers by them.

Their deed-in-lieu people and the foreclosure people are both now going back and forth with my attorney. They can't even keep it straight between their internal departments.

Either way I am glad I will be able to move on. The property is worth 25% of my loan amount, I will leave behind the $65k I paid outside of taxes/insurance and any improvements I have made.

 

[alkemyst]

I miss theflyingpig. He was a much better class of troll.

you want to smoke TGP's pipe.

Everyone knows this.

 

[Red Squirrel]

I am not sure what mindset you were in when you posted the above...but to explain it.

It had nothing to do with my loan being sold. My loan was sold after this started and that has really complicated it. My original mortgage company was recieving my payments each month yet none of those payments were getting applied to my mortgage and as a result they kept reporting me late.

They told me it would be fixed 'soon'...this went on for a year until one day I recieved a call from the person working on it telling me my loan was sold 'but the new company is aware and will fix everything'.

Fast forward several years with this all still happening. This past year I stopped paying and they finally started doing research into it. As of January this year, I was told my payments were 'found' and they'd have to figure out how to get them applied, but there was nothing they could do about the late fees and my credit hit I took.

To repair the situation they offered a balloon mortgage that would lower my payment from $2300 to around $800 over a 40 year term. The balloon payment was about $200,000...hardly a deal at all except for them.

The next offer came in the form of a deed in lieu saying they can't really fix anything, but would guarantee me a 12 month lease of the property at the cost of my taxes/insurance. They withhold any deficiency judgement and let me basically walk away. I was on-board with this more or less whether I took the lease or not. Before I even got the paperwork I was served the foreclosure papers by them.

Their deed-in-lieu people and the foreclosure people are both now going back and forth with my attorney. They can't even keep it straight between their internal departments.

Either way I am glad I will be able to move on. The property is worth 25% of my loan amount, I will leave behind the $65k I paid outside of taxes/insurance and any improvements I have made.

Sounds like a sketchy bank to me if this is all true.

 

[alkemyst]

It's nothing to do with 'sketchy', it has to do with no one willing to get off their ass to figure out a clerical/database error. It was one of the largest lenders in the world. The loan was also a normal fixed rate mortgage with government backing (Fannie/Freddie).

 

[momeNt]

Didn't you ever get a mortgage statement that maybe reflected any of this information? Or were your statements correct but somewhere beyond that they thought you weren't paying?

 

[alkemyst]

Didn't you ever get a mortgage statement that maybe reflected any of this information? Or were your statements correct but somewhere beyond that they thought you weren't paying?

I am not sure where you are going with this. I was well aware my payments weren't being applied when it started and was working with the mortgage company from that moment. The only thing my lawyer thinks may have caused it is they tried to put me into a HAMP program without my knowledge and when it was denied my loan became an orphan record more or less. Chances are the bank would have made about $1000 for that even if I never signed anything at the time. I never signed any paperwork changing my loan nor authorized them to make changes to it.

It's not like I am saying 5 years later I finally realized anything. I have a notebook full of the correspondence that went from month by month, to week by week to almost daily.

I really found out how bad the situation was around the twelve month mark when my interest payments on my school debt went from $200 to $1200. This almost bankrupted me. I was making far less money at the time.

 

[SonicIce]

well why don't you invite him over to dinner, turn him from an enemy into a friend. then when he's not expecting it... BAM! the old fork in the eye